No software? No problem.
Send us your bank statements. Get back clean numbers.
We sort every transaction on your bank and credit card statements into income and expense categories, and send you a profit & loss, an expense summary and tax-ready totals in Excel or Google Sheets.
Who it's for
Small businesses that never set up accounting software.
Especially useful at tax time, when all you have is a stack of statements.
Freelancers
Self-employed income and expenses for Schedule C.
Landlords
Rent and property costs for each rental, for Schedule E.
Side businesses
A small business run through one or two accounts.
Small LLCs
Year-end numbers for the business tax return.
Loan applicants
A clear P&L to show a bank or landlord.
What you get
One workbook, ready for your tax return.
For self-employed clients, expenses are grouped by the line they go on in Schedule C, so filing takes minutes.
| Category | Schedule C line | Transactions | Total |
|---|---|---|---|
| Advertising | Line 8 | 14 | 2,340.00 |
| Car and truck expenses | Line 9 | 38 | 3,812.45 |
| Contract labor | Line 11 | 9 | 6,750.00 |
| Office expense | Line 18 | 22 | 1,128.60 |
| Supplies | Line 22 | 31 | 2,904.17 |
| Travel | Line 24a | 6 | 1,486.20 |
| Utilities | Line 25 | 12 | 1,320.00 |
| Total expenses | 132 | 19,741.42 |
Example figures for illustration only.
How it works
Four steps, mostly done by us.
Upload
Send statements for each account and period to a secure shared folder.
Categorize
We sort every transaction and separate transfers and owner draws from real expenses.
Questions
Anything unclear goes on one short list for you to answer.
Deliver
Your finished workbook, reviewed by a CPA. We can also file the return.
What statements can show
What's included, and what needs more information.
Bank statements show cash in and cash out. That covers most of what small businesses need. For a full balance sheet, we need a few more details from you.
Included
- Every transaction categorized
- Profit & loss for the period
- Expense summary by category
- Transfers and owner draws separated
- Tax-ready totals for your return
Needs more from you
- A full balance sheet (loan balances, equipment, vehicles)
- Money customers still owe you
- Bills you haven't paid yet
- Inventory on hand
Ready to move to software later? We can load everything into QuickBooks and switch you to monthly bookkeeping.
FAQ
Bank statement bookkeeping questions.
What format do my statements need to be in?
PDF statements from your bank's website are fine. CSV or Excel downloads are even better. Scanned paper statements work too.
I use my personal account for some business expenses. Is that a problem?
No. Send that account too and we will pick out the business transactions. Keeping a separate business account going forward makes it simpler and cheaper.
Is this enough to file my taxes?
For most freelancers and small businesses, yes. The workbook gives the income and expense totals your return needs. We can prepare and file the return for you too.
Do you need my bank login?
No. You download the statements yourself and upload them to a secure folder. We never ask for bank passwords.
Can you do past years?
Yes. Send statements for each year and we prepare a workbook for each one.
Contact
Book a free consultation.
Tell us a little about your business and we will reply within one business day.